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Investor Presentaiton

Growing Earnings and Generating Shareholder Value Driving EPS Accretion for Shareholders Adjusted Core EPS 28% CAGR $3.40 $2.64 $2.09 2018 2019 2020 Delivering Value ✓ Long-term value for shareholders driven by consistent earnings and capital return Allocating capital to attractive investments, including portfolio acquisitions and new originations ✓ Continuously driving efficiency improvements and expense structure rationalization Returning excess capital to shareholders Focused on Consistent Margins, Increasing Adjusted Net Income 8% in Full Year 2020 to $663 million, from $616 Million in 2019 Metrics shown on a "Core Earnings" basis, and are non-GAAP financial measures. © 2021 Navient Solutions, LLC. All rights reserved. ||| 8 00
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